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Coral India Finance & Housing Ltd (CORALFINAC)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 531556 NSE: CORALFINAC Finance - NBFC | Small Cap | Coral India Fin &Hsg Share Price
₹32.33 0.05 (0.15%)
As on 01-Sep'26 16:59
Coral India Finance & Housing Ltd (CORALFINAC)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 531556 NSE: CORALFINAC Finance - NBFC | Small Cap | Coral India Fin &Hsg Share Price
₹32.33 0.05 (0.15%)
As on 01-Sep'26 16:59
Key Metrics
Valuation Multiples
Market Cap
₹137 Cr.
Current Price
₹32.3
52-Week Low / High
₹25 / 53
TTM EPS
₹3.6
Book Value per Share
₹52.5
P/E Ratio
9.51
In line with its 5-year historical median
Industry PE
27.9
Price to Book (P/B)
0.65
Lower than its 5-year historical median
EV/EBITDA
7.05
In line with its 5-year historical median
Dividend Yield
0.62%
Profitability Efficiency
Return on Equity (ROE)
6.91%
Return on Capital Employed (ROCE)
8.06%
Return on Assets (ROA)
6.47%
Growth Momentum
1-yr vs 3-yr growth
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Slowing versus 3-year growth rate
-27.32%
Book Value Growth (1 Year)
Slowing versus 3-year growth rate
-6.19%
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
0.00%
TTM Sales
₹14.5 Cr.
Reserves
₹204 Cr.
Equity
₹8.1 Cr.
Face Value
₹2
All Time Low / High
₹0.32 / 105.10
Check Before You Invest
Quality
Not GoodValuation
UndervaluedCheck Valuation charts
Price Trend
Semi Strong
Is Coral India Finance & Housing Ltd a good quality company?
Coral India Finance & Housing Ltd is a weak quality company, based on a inconsistent multi-year financial track record.
This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.
We have analysed the performance of the company on the following:
-
How has it performed on generating Profits?
By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.
-
How efficiently has it grown and managed operations?
By checking its Total Asset growth.
-
How strong is its Capital position and Asset Quality?
By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.
How does Coral India Finance & Housing Ltd performance compare with that of its Peers?
AUM Growth of Coral India Finance & Housing Ltd vs Industry Peers?
Coral India Finance & Housing Ltd AUM CAGR is 10.56%, compared to the 5-year industry median CAGR of 9.93%, indicating faster growth and gaining its market share.
Promoter shareholding and pledge status of Coral India Finance & Housing Ltd?
Promoters hold 74.96% of the Coral India Finance & Housing Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Stock return of Coral India Finance & Housing Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 8.7% based on the current price.
10 Year X-Ray :
Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year endData adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
What is a Financial Track Record? How to read this chart in order to understand the data present here?
Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Coral India Finance & Housing Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
| Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 13.6 | 22.1 | 14.2 | 12 | 20.2 | 27.5 | 29.6 | 27.7 | 21.2 | 15.4 | 15 | |
| YoY Gr. Rt. % | - | 63% | -35.7% | -15.3% | 67.8% | 36.2% | 7.5% | -6.3% | -23.6% | -27.2% | - | |
| Adj EPS (₹ ) | 1.6 | 2.7 | 1.7 | 1.6 | 3.2 | 4.3 | 4.6 | 5.2 | 4.3 | 3.7 | 3.6 | |
| YoY Gr. Rt. % | - | 65.6% | -38.9% | -2.4% | 100% | 33.9% | 5.6% | 13.2% | -15.7% | -15.4% | - | |
| BVPS (₹ ) | 29.1 | 28.9 | 25.6 | 23.5 | 31.5 | 35.2 | 37.1 | 45.5 | 54.8 | 51.4 | 52.5 | |
| YoY Gr. Rt. % | - | -0.7% | -11.5% | -8.2% | 34.4% | 11.7% | 5.3% | 22.7% | 20.3% | -6.2% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 6.7 | 9 | 5.8 | 6.2 | 10 | 12.1 | 11.6 | 11.6 | 8.2 | 6.5 | 0 | |
CAGR ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 1.4% | -5.3% | -19.5% | -27.2% | ||||
| Adj EPS | 9.4% | 2.7% | -6.9% | -15.4% | ||||
| BVPS | 6.5% | 10.3% | 11.5% | -6.2% | ||||
| Share Price | 8.7% | -3.7% | -8.5% | -23.2% | ||||
Key Financial Ratios
| RATIOS \ YEARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Quality Ratio | To view Asset Quality Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Net NPA to Net Advances (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Capitalization Ratio | To view Capitalization Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Capital Adequacy Ratio (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Margins | ||||||||||||
| Net Profit Margin (%) | 59.9 | 61.1 | 57.8 | 66.6 | 64.2 | 63.2 | 62 | 75 | 82.7 | 96 | 98.9 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 7.3 | 9.3 | 6.1 | 6.6 | 10.6 | 12.9 | 12.6 | 12.5 | 8.7 | 6.9 | 6.8 | |
Valuation of Coral India Fin &Hsg - Standalone
Analyst's Notes
No data found!
Management X-Ray
Shareholding Pattern
Promoter's Holding & Share Pledging
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
* Pledged shares as % of Promoter's holding (%)
Financials
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income + | 14 | 23 | 15 | 13 | 21 | 28 | 31 | 31 | 26 | 20 |
| Exceptional Items ⓘ | 0 | 1 | 0 | 1 | 1 | 0 | 1 | 3 | 5 | 5 |
| Expenditure ⓘ + | 4 | 6 | 4 | 4 | 5 | 6 | 8 | 7 | 5 | 3 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax ⓘ | 10 | 17 | 10 | 10 | 16 | 22 | 22 | 24 | 21 | 17 |
| Taxes ⓘ | 2 | 3 | 2 | 2 | 3 | 5 | 4 | 3 | 4 | 2 |
| Profit After Tax | 8 | 13 | 8 | 8 | 13 | 17 | 18 | 21 | 17 | 15 |
| Adjusted EPS (₹) | 1.6 | 2.7 | 1.7 | 1.6 | 3.2 | 4.3 | 4.6 | 5.2 | 4.3 | 3.7 |
| Dividend Payout Ratio (%) | 12.30% | 7.40% | 12.10% | 12.50% | 15.50% | 7% | 0% | 7.80% | 9.20% | 5.50% |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Equity Capital + | 145 | 144 | 127 | 117 | 127 | 142 | 150 | 184 | 221 | 207 |
| Short term borrowings | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long Term Borrowings | 3 | 4 | 5 | 5 | 4 | 6 | 10 | 6 | 9 | 13 |
| Current Liabilities | 3 | 1 | 1 | 3 | 4 | 4 | 5 | 3 | 4 | 3 |
| Trade Payables | 1 | 1 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | -1 | -1 | -0 | -0 | -1 | -0 | -0 | -0 | -0 | -0 |
| Total Liabilities ⓘ | 151 | 149 | 133 | 125 | 135 | 153 | 164 | 193 | 234 | 223 |
Assets | ||||||||||
| Non Current Asset + | 135 | 130 | 116 | 106 | 63 | 70 | 65 | 70 | 99 | 76 |
| Current Asset + | 16 | 19 | 18 | 19 | 72 | 82 | 99 | 123 | 135 | 147 |
| Total Assets ⓘ | 151 | 149 | 133 | 125 | 135 | 153 | 164 | 193 | 234 | 223 |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ | 3 | -1 | 5 | 8 | 4 | 2 | 22 | 5 | 19 | 16 |
| Cash Flow From Investing Activity ⓘ | -2 | 2 | -5 | -6 | 15 | 1 | -9 | -3 | -18 | -11 |
| Cash Flow From Financing Activity ⓘ | -1 | -0 | -1 | -1 | -21 | -2 | -1 | -1 | -2 | -2 |
| Net Cash Flow ⓘ | -1 | 1 | -1 | 1 | -2 | 1 | 12 | 0 | -1 | 4 |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios | ||||||||||
| EPS (₹) | 8.10 | 2.70 | 1.70 | 1.60 | 3.20 | 4.30 | 4.60 | 5.20 | 4.30 | 3.70 |
| DPS (₹) | 1 | 0.20 | 0.20 | 0.20 | 0.50 | 0.30 | 0 | 0.40 | 0.40 | 0.20 |
| BVPS (₹) | 145.3 | 28.9 | 25.6 | 23.5 | 31.5 | 35.2 | 37.1 | 45.5 | 54.8 | 51.4 |
Performance Ratios | ||||||||||
| ROA (%) | 6.7 | 9.0 | 5.8 | 6.2 | 10.0 | 12.1 | 11.6 | 11.6 | 8.2 | 6.5 |
| ROE (%) | 7.3 | 9.3 | 6.1 | 6.6 | 10.6 | 12.9 | 12.6 | 12.5 | 8.7 | 6.9 |
| ROCE (%) | 9.1 | 11.8 | 7.5 | 7.9 | 12.9 | 16.3 | 15.3 | 14.2 | 10.5 | 8.1 |
Valuation Parameters | ||||||||||
| Price/Book(x) | 1.3 | 1.1 | 0.7 | 0.6 | 0.7 | 1.1 | 0.7 | 0.8 | 0.7 | 0.5 |
Top 5 Mutual Funds Holding
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Announcements
Coral India Finance & Housing Ltd FAQs
The current trading price of Coral India Fin &Hsg on 01-Sep-2026 16:59 is ₹32.33.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 31-Aug-2026 the market cap of Coral India Fin &Hsg stood at ₹136.9 Cr
The latest P/E ratio of Coral India Fin &Hsg as of 31-Aug-2026 is 9.51.
The latest P/B ratio of Coral India Fin &Hsg as of 31-Aug-2026 is 0.65.
The 52-week high of Coral India Fin &Hsg is ₹52.98 and the 52-week low is ₹25.00.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Coral India Fin &Hsg is ₹14.54 ( Cr.) .
Past 10 year’s financial track record analysis by Moneyworks4me indicates that Coral India Finance & Housing Ltd is a below average quality company.
The key valuation ratios of Coral India Finance & Housing Ltd's currently when compared to its past seem to suggest it is in the Undervalued zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of Coral India Finance & Housing Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.
About Coral India Finance & Housing Ltd
Coral India Housing, earlier known as Coral India Finance & Housing was incorporated on January 04, 1995. The company operates in the three segments of finance, resort and construction. It went into agreement with Standard Fireworks to acquire 14,700 sq. ft. of land in Thane valued at Rs 3.11 crore for its project Coral Orchids. In 2010 -the company has changed his name from Coral India Finance & Housing Limited to Coral India Housing Limited.
The company had acquired 12,500 sq. ft. of land valued at Rs 0.45 crore for its project Coral Gardens in Deolali, Nasik. It went into agreement with Kelani Builders & Developers for 435 sq. m. of prime land valued at Rs 0.19 crore for its project Coral Plaza in Chembur, Mumbai.
In FY07, the company started construction of the residential-cum-commercial project at Ghodbunder Road, Thane, Maharashtra.
The registered office of the company is located at Dalamal House, 4th Floor, Mumbai-400021.
Business area of the company:
The company is engaged in financial and construction activities.
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